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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $71,290 | $99,994-28.7% | $146,643-51.4% | $85,847-17.0% |
| Participation rate | 100.0% | 73.1%+26.9pp | 80.1%+19.9pp | 69.3%+30.7pp |
| Annual return | 10.15% | 18.93%-8.8pp | 22.75%-12.6pp | 318.61%-308.5pp |
| Employer contribution / active EE | $3,091 | $2,559+20.8% | $4,137-25.3% | $2,565+20.5% |
| Participant deferral / active EE | $4,030 | $4,006+0.6% | $5,506-26.8% | $3,952+2.0% |
| Admin fee / account holder | $4,992 | $7,703-35.2% | $10,280-51.4% | $6,261-20.3% |